lmaooo welcome to the waiting game. might as well start planning for next years taxes at this point 💅

Congrats on getting the 811! That's a huge step forward. I went through the same thing last year - had an 810 freeze for what felt like forever, then got the 811 update. From my experience and what I've seen others post, you're looking at about 1-3 weeks for the 846 to show up. The timing can vary depending on when your weekly update cycle falls, but most people see it within 2 weekly transcript updates. Keep checking every Friday morning when transcripts typically refresh. You're in the home stretch now! 🤞

Did you check if they charged you a processing fee for the rollover? Sometimes those second 1099-Rs with withholding are because they took a fee and withheld taxes on that portion only. The distribution code 1 would be correct for that part.

This rollover situation is unfortunately more common than it should be. Based on your description, it sounds like Lincoln Financial incorrectly processed part of your rollover as a taxable distribution when it should have been coded as a direct rollover. The key thing to understand is that you have 60 days from the distribution date to complete an indirect rollover for any amounts that weren't directly transferred. If some of your funds were withheld for taxes but you can still get them into your IRA within that timeframe, you can avoid the early distribution penalty. However, since this happened last July, that 60-day window has likely passed. Your best bet is still getting Lincoln to issue corrected 1099-Rs showing the entire amount as a direct rollover (code G). When you call Lincoln again, specifically ask for their "Plan Administration" or "Participant Services - Tax Forms" department. Don't let them transfer you to general customer service. Explain that this was supposed to be a direct trustee-to-trustee transfer and that any withholding was done in error. If they push back, ask them to provide documentation showing you specifically requested tax withholding on a direct rollover (which would be unusual). Document everything - dates, names, reference numbers. If they continue to refuse, you may need to file a complaint with your state's insurance commissioner, as they regulate retirement plan administrators.

I was in your exact situation last month. Found my DD date on the Account Transcript under code 846, but it wasn't there initially. My transcript first showed codes 570 and 971, then updated a week later with the 846 code. Have you checked if you have any 570/971 codes on your transcript? Those usually indicate there's some verification happening before they set your deposit date.

Just wanted to add something that might help - if you're checking your transcript and don't see code 846 yet, don't panic! The IRS typically processes refunds in the order they were received, but there can be delays if your return needs additional review. I had to wait almost 3 weeks after my return was accepted before seeing my DD date appear. Also, make sure you're checking the transcript for the correct tax year - I accidentally looked at my 2022 transcript when I needed 2023 and thought something was wrong. The "Where's My Refund" tool on the IRS website updates less frequently than transcripts, so the Account Transcript is definitely your best bet for the most current info about your refund status.

Most people here see funds hit SBTPG same day as the DDD on transcript, then 1-2 days for it to reach your bank. Don't count on it being faster. Budget assuming you won't have it until 2 days after your DDD. Their system is reliable but not instant. The delay is just part of choosing the fees-from-refund option.

I understand the anxiety about timing, especially as a recent graduate! From what I've seen in this community, SBTPG is pretty consistent with their processing. Since your transcript shows a DDD of 4/17, you should expect SBTPG to receive the funds either on 4/17 or within 24 hours after. Then it's typically another 1-2 business days before it hits your bank account. So realistically, you're looking at having your refund by 4/19 at the latest, possibly as early as 4/17 if everything processes smoothly. I'd recommend setting up an account on the SBTPG website to track the status - it really helps with the waiting game! Just remember that weekends can add an extra day to the timeline if your DDD falls on a Friday.

waited 3 weeks and nothing showed up... had to call irs turns out my address was wrong by one number smh

Also in TN here! Got mine last year and it took exactly 5 days from mail date. The IRS actually uses priority mail for refund checks so they're pretty reliable. Just keep checking your informed delivery - you'll see it coming the morning it arrives. Good luck! 🤞